1, the applicant wants to apply for a car loan. After you are optimistic about the vehicle you want to buy, you need to fill out the Application Form for Automobile Consumption Loan and the Credit Survey Form, and submit them to the loan bank together with the relevant certificates of your personal situation.

2. After receiving the application, the bank will investigate and approve the applicant before lending. After approval, the bank will inform the borrower to fill in various forms, as well as loan contract, guarantee contract and mortgage contract, and go through mortgage registration and insurance procedures.

Finally, the bank issues loans.

4. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

1. The loan process for buying a car in a 4S shop is as follows:

1. The lender submits detailed loan application materials to the bank;

2. The bank conducts a preliminary examination of the application materials submitted by the borrower;

3. The bank conducts credit investigation and customer evaluation on auto lenders;

4. If you pass the preliminary examination and credit investigation of the bank,

5. After the customer's qualification and information are approved, the contract can be signed.

6. After the loan contract comes into effect, the handling bank will issue the loan, and the whole approval process will take 3-5 working days. The bank adopts the method of earmarking, that is, according to the contract, the handling bank directly transfers the loan to the 4S shop account where the borrower buys the car.

7. Handling the formalities of car delivery: the borrower pays the down payment to the car dealer.

2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Third, the application conditions for loan to buy a car

1, with valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.